Progressive Snapshot is rated 3.7 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews. Progressive Snapshot is an average usage-based insurance program, since it has a well-rated app but can increase premiums for poor driving.
Key Things to Know About Snapshot from Progressive
- Initial discount of 5%
- Possible savings of up to 15%
- Might increase premiums for bad driving
- Available everywhere except California
- Customer reviews of the app average 4.3 out of 5
What Is Progressive Snapshot?
Progressive Snapshot is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for Snapshot can save an average of $146, including an initial discount of 5%. On the other hand, Progressive notes that 1 in 5 customer has their premium increase as a result of using Snapshot.
Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give good drivers a discount, since safe drivers are less likely to get into an accident or file a claim.
What Progressive Snapshot Monitors
- Miles driven
- The time of day that you drive
- Distracted driving
Snapshot from Progressive tracks these behaviors using the Snapshot smartphone app. The app is available for iPhones and Androids from both the Google and Apple app stores. Policyholders can also download it by texting 99354.
Aside from sending information on your driving behavior to the company, the Snapshot app includes features such as a trip log history and personalized driving tips. The app automatically tracks rides as long as it's installed on your phone, your phone is on, and you leave the app running in the background.. It’s also worth noting that the app’s reviews are positive overall. Drivers without smartphones or who live in states where the Snapshot app is unavailable can use a device that plugs into their car's dashboard instead.
Is Progressive Snapshot Worth It?
Progressive Snapshot is worth it for safe, low mileage drivers who do not mind being monitored for insurance purposes in return for savings of up to up to 15%. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers. Plus, remember that Progressive Snapshot might even raise your rates, depending on your driving habits.
Keep in mind that your definition of safe driving might differ from Progressive’s. Make sure you know what habits Snapshot monitors, and see how they match up with your individual circumstances. For example, if you work the late shift, Progressive will count your frequent nighttime driving against you.
If you decide that Progressive Snapshot is worth it for your particular circumstances, you can enroll by calling 1-877-329-7283. You can also contact Progressive customer service at 1-888-671-4405 if you’re unsure whether Snapshot is available in your state.
Progressive Snapshot vs. Popular Competitors
|Insurer||Progressive Snapshot||Allstate Drivewise||Liberty Mutual RightTrack||State Farm Safe and Save|
|Potential Savings||$146 on average||Up to 25% rebate||Up to 30%||Up to 50%|
|Customer Reviews of the App||4.3||4.0||4.2||4.4|
|Can Increase Premiums?||Will increase premiums for bad driving||Will not increase premiums for bad driving||Will not increase premiums for bad driving||Will not increase premiums for bad driving|
Video: Progressive Snapshot Review
WalletHub editors evaluated Progressive Snapshot in the following categories:
- Initial savings
- Maximum possible savings
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures